Rs 50000 जमा करने पर Rs 1416000
Rs 100000 जमा करने पर Rs 2832000
Rs 150000 जमा करने पर Rs 4248000
Public Provident Fund (PPF) in Hindi 2018
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2. What is the interest rate on PPF?
The current interest rate is 7.6% that is compounded annually
3. Essential features of PPF
Tenure: The PPF has a minimum tenure of 15 years, which can be extended in blocks of 5 years as per your wish.
Investment Limits: PPF allows a minimum investment of Rs 500 and a maximum of Rs 1.5 lakh for each financial year. Investments can be made in lump sum or in a maximum of 12 installments.
Opening Balance: The account can be opened with just Rs 100. Annual investments above Rs 1.5 lakh will not earn interest and will not be eligible for tax saving.
Deposit Frequency – Deposit into a PPF account has to be made at least once every year for 15 years.
Mode of deposit – The deposit into a PPF account can be made either by way of cash, cheque, Demand Draft or online fund transfer.
Nomination – A PPF account holder can designate a nominee for his account either at the time of opening the account or subsequently too
Joint accounts – A PPF account can be held only in the name of one individual. Opening an account in joint names is not allowed
Risk factor – Since PPF is backed by the Indian government, it offers guaranteed, risk­-free returns as well as complete capital protection. The element of risk involved in holding a PPF account is minimal.
Who can invest in PPF – Any Indian citizen can invest in PPF. One citizen can have only one PPF account unless the second account is in the name of a minor. NRIs and HUFs are not eligible to open a PPF account.
Loan against PPF – You can take a loan against your PPF account between the 3rd and 5th year. The loan amount can be a maximum of 25% of the 2nd year immediately preceding the loan application year. A second loan can be taken before the 6th year if the first loan is repaid fully.
4. PPF withdrawal
if account holders are in need of funds, and wish to withdraw before 15 years, the scheme permits partial withdrawals from year 7 i.e. on completing 6 years.
An account holder can withdraw prematurely, up to a maximum of 50% of the amount that stood in the account at the end of 4th year preceding the year in which the amount is withdrawn or at the end of the preceding year, whichever is lower. Further, withdrawals can be made only once in a financial year.
6. What are the tax benefits of investing in PPF?
PPF one an investment vehicle that falls under the Exempt-Exempt-Exempt (EEE) category. This, in other words, means that all deposits made in the PPF are deductible under Section 80C of the Income Tax Act. Furthermore, the accumulated amount and interest would also be exempt from tax at the time of withdrawal.
It is also important to note that a PPF account cannot be closed before maturity. Furthermore, a PPF account can be transferred from one point of designation to another. But, do remember that a PPF account cannot be closed prematurely. Only in the case of the account holder’s demise can the nominee’s file for the closure of the account.
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